Citigroup Inc.
Citi Commercial Bank - Commercial Lending Management - Credit Analyst, Digital T
Citigroup Inc., San Francisco, California, United States, 94199
Overview Citi’s Commercial Bank (CCB) for the North American (NAM) region is a rapidly growing business, targeting emerging, mid- and larger-sized companies based in the United States or Canada, with annual revenue generally from $20 million to $1 billion plus. To facilitate the CCB’s wholesale lending activities, Commercial Lending Management (CLM) serves as an in-business credit function organized around our strategic industries and global target market approach. CLM plays a critical role of the client delivery model for the CCB, translating thought-leadership, industry and product expertise, and an end-to-end ownership of the credit relationship into best-in-class lending solutions. We are seeking a dynamic and motivated credit professional to join the NAM CLM Digital Tech & Comms team.
Hit Apply below to send your application for consideration Ensure that your CV is up to date, and that you have read the job specs first. The CLM Analyst facilitates the end-to-end lending process for a covered industry vertical directly supporting the responsible Credit Officer. CLM is essential for the delivery of a wide range of financial solutions to Citi CCB clients, working in direct partnership with Relationship Managers and Independent Risk, to execute on the firm’s and client’s business objectives. This can include working capital solutions, term loans and M&A financing, treasury and liquidity management services, foreign exchange, trade finance and interest rate derivatives. The primary responsibilities of CLM include credit underwriting, due diligence, structuring and documentation, and portfolio monitoring. As part of the business and in direct partnership with relationship coverage bankers, CLM teams provide thorough, objective analysis of the financial condition and credit worthiness of borrowers, including prevailing covered industry sector and product/market conditions, as well as the appropriate credit structure based on various risk considerations. Responsibilities
Facilitate the end-to-end lending process within the NAM CCB for the assigned relationships and portfolio Rapidly develop knowledge of assigned portfolio and industry, and create well-supported analysis that effectively balances risk and business objectives Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated Produce the underlying analysis and workflow supporting underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence Timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio Facilitate the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents Attend periodic meetings regarding covered portfolio clients and select new to bank opportunities in partnership with CLM Credit Officer and the Relationship Management team Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients Mentor and develop more junior staff and other support to become effective resources and future contributors Recommend and champion changes to improve existing processes to achieve greater efficiency and controls Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls Qualifications
1-3 years of banking, finance or related experience in credit underwriting, portfolio and/ or risk management with a multinational financial services organization Knowledge of basic accounting and financial concepts and their practical application in the credit underwriting process Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner Demonstrates learning agility: seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations Proficient in spreadsheet, word processing and presentation applications, including strong data visualization skills Bachelor’s degree; advanced degree(s) and other certifications considered but not required ------------------------------------------------------ Job Family Group: Risk Management Job Family: Credit Decisions Time Type: Full time Primary Location: San Francisco, California, United States Primary Location Full Time Salary Range: $86,330.00 - $120,470.00 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental, and vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit Citi benefits. Available offerings may vary by jurisdiction, job level, and date of hire. Most Relevant Skills: Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. Anticipated Posting Close Date: Sep 16, 2025 Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
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Hit Apply below to send your application for consideration Ensure that your CV is up to date, and that you have read the job specs first. The CLM Analyst facilitates the end-to-end lending process for a covered industry vertical directly supporting the responsible Credit Officer. CLM is essential for the delivery of a wide range of financial solutions to Citi CCB clients, working in direct partnership with Relationship Managers and Independent Risk, to execute on the firm’s and client’s business objectives. This can include working capital solutions, term loans and M&A financing, treasury and liquidity management services, foreign exchange, trade finance and interest rate derivatives. The primary responsibilities of CLM include credit underwriting, due diligence, structuring and documentation, and portfolio monitoring. As part of the business and in direct partnership with relationship coverage bankers, CLM teams provide thorough, objective analysis of the financial condition and credit worthiness of borrowers, including prevailing covered industry sector and product/market conditions, as well as the appropriate credit structure based on various risk considerations. Responsibilities
Facilitate the end-to-end lending process within the NAM CCB for the assigned relationships and portfolio Rapidly develop knowledge of assigned portfolio and industry, and create well-supported analysis that effectively balances risk and business objectives Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated Produce the underlying analysis and workflow supporting underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence Timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio Facilitate the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents Attend periodic meetings regarding covered portfolio clients and select new to bank opportunities in partnership with CLM Credit Officer and the Relationship Management team Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients Mentor and develop more junior staff and other support to become effective resources and future contributors Recommend and champion changes to improve existing processes to achieve greater efficiency and controls Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls Qualifications
1-3 years of banking, finance or related experience in credit underwriting, portfolio and/ or risk management with a multinational financial services organization Knowledge of basic accounting and financial concepts and their practical application in the credit underwriting process Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner Demonstrates learning agility: seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations Proficient in spreadsheet, word processing and presentation applications, including strong data visualization skills Bachelor’s degree; advanced degree(s) and other certifications considered but not required ------------------------------------------------------ Job Family Group: Risk Management Job Family: Credit Decisions Time Type: Full time Primary Location: San Francisco, California, United States Primary Location Full Time Salary Range: $86,330.00 - $120,470.00 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental, and vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit Citi benefits. Available offerings may vary by jurisdiction, job level, and date of hire. Most Relevant Skills: Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. Anticipated Posting Close Date: Sep 16, 2025 Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
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